Federal credit union · YAKIMA, Washington · NCUA charter #2237
CALCOE
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $43.6M
- Total assets
- 3,588
- Members
- 12.2%
- Net-worth ratio
CALCOE scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.6M; members 3,588; net-worth ratio 12.20%; health rank #3,096 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,096 of 4,374 health · 2025Q4CALCOE · health 77/100 · $43.6M · 2025Q4
- PHOTO 77/100
- BOOK 12.2%
- CHARTER 1.68%
- NCUSIF 0.50%
- CAMELS $43.6M
- HEALTH 3,588
- NW #3,096/4,374
- DELQ N Y Team
- ROA 2237
Call Report peers
CALCOE in the assets neighbourhood
CALCOE's $43.6M assets sit next to N Y Team ($43.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CALCOE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
CALCOE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2237 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
CALCOE vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +26.30 pp (86.10% vs 59.80%).
- Net Worth Ratio trails the peer set - 12.20% here, 14.86% peer average (-2.66 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CALCOE: in-state Call Report ranks
- In Washington, health place is #62 of 75 on the same NCUA-ratio sort used nationally.
- Washington assets place: #62 of 75.
- Member book place in Washington: #58 of 75.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CALCOE: 2025Q4 → 2026Q1
CALCOE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $43.6M (2025Q4) to $44.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (12.21% → 12.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.9 pts
- Return on Assets 15.0 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 14.6 pts
CALCOE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.20% | -2.66 pp |
| Delinquency Rate | 1.68% | +0.54 pp |
| Return on Assets | 0.50% | -0.20 pp |
| Member Growth | -3.63% | - |
| Loan-to-Share Ratio | 86.10% | +26.30 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
CALCOE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.2M | - |
| 2025Q4 | $43.6M | 3,588 |
| 2024Q4 | $43.3M | 3,723 |
| 2023Q4 | $43.3M | 3,909 |
Credit Union Details
- Charter Number
- 2237
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Washington
- City
- YAKIMA
- Data Quarter
- 2025Q4
Branch Locations (4)
CALCOE operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CALCOE FCU (Main Office) | Yakima, WA |
| CU*Northwest | Liberty Lake, WA |
| CALCOE FCU Moxee Branch | Moxee, WA |
| Solarity CU | Yakima, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
A look at other Washington credit unions, ranked by how closely their peer group and asset size match this one.
CALCOE nationwide neighbourhoods
Cross-state asset and health neighbours for CALCOE - kept outside Washington; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($43.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- CALCOE ranks #3,096 of 4,374 nationally on financial health and #62 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONNECTION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONNECTION
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CALCOE financially healthy?
CALCOE scores 77/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,096 of 4,374; by total assets it ranks #2,525 of 4,374 nationally (same basis as /rankings/largest); and #62 of 75 within Washington. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.20% net worth ratio and a 1.68% delinquency rate.
How does CALCOE compare to other credit unions?
CALCOE scores 77/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join CALCOE?
CALCOE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CALCOE directly for the exact boundaries and application steps.
Is my money safe at CALCOE?
Federal credit unions like CALCOE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CALCOE's net worth ratio of 12.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CALCOE offer compared to banks?
Credit unions like CALCOE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact CALCOE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.